Address
20978 Monza Loop, LAND O LAKES, FL
Price
$ 425,000
Property Attributes
- MLS#TB8500994
- TypeSingle Family
- Listing Status Pending
- CountyPasco
- CityLAND O LAKES
- AreaLand O Lakes
- NeighborhoodARDEN PRESERVE
- Zip34638
- StyleSingle Family Residence
- Year Built2022
- Taxes$ 6271
- Price$ 425,000
- Bedrooms4
- Full Bathrooms2
- Half Bathrooms1
- Sqr Footage2386
- Lot Size0.16 Acres
Data Source:
Stellar MLS
Property Description
Under contract-accepting backup offers. ASSUMABLE 3% MORTGAGE! This loan can be assumed by a non-veteran or a veteran. The buyer will need roughly $40,000 difference between the payoff and loan amount plus closing cost. Interested buyers should have $50,000 available to bring to closing. This is a once in a lifetime opportunity to assume a 3% interest rate in a much higher market! Welcome to 20978 Monza Loop in the GATED COMMUNITY of Arden Preserve, where the major expenses of new construction have already been handled for you. Built in 2022, this home delivers immediate value with NO CDD fees and includes upgrades that typically cost thousands more through a builder, such as a FULLY VINYL FENCED backyard, EXTENDED PAVER PATIO and walkway, window blinds and curtains, and a fully owned WATER TREATMENT SYSTEM. Located in FLOOD ZONE X, it also offers the added benefit of potentially LOWER INSURANCE COSTS, making this a smart move both upfront and long-term. Inside, the home offers 4 bedrooms, 2.5 baths, and 2,386 square feet of thoughtfully designed living space with a BRIGHT, OPEN-CONCEPT layout. The main level is filled with NATURAL LIGHT and features a seamless flow between the living, dining, and kitchen areas, creating an inviting space for both everyday living and entertaining. The kitchen is anchored by a LARGE CENTER ISLAND with seating, complemented by sleek countertops, stainless steel appliances, ample cabinetry, and modern pendant lighting. Sliding glass doors open to the COVERED LANAI, enhancing the indoor-outdoor connection. Upstairs, a spacious loft provides FLEXIBLE LIVING SPACE for a second living area, media room, or home office, while the generously sized bedrooms offer comfort and privacy. The primary suite serves as a relaxing retreat with an en-suite bath featuring dual vanities, a walk-in shower, and plenty of storage, and a dedicated laundry room adds convenience. Out back, the covered lanai overlooks a PRIVATE YARD that backs to PEACEFUL GREENSPACE with NO REAR NEIGHBORS, creating a quiet setting to relax or entertain. The extended paver patio expands your outdoor living options, whether you’re hosting gatherings or simply enjoying the Florida lifestyle. Arden Preserve is a fully completed gated community with no ongoing construction, offering a more established and peaceful environment. Residents enjoy a PRIVATE WALKING PATH leading directly to Land O’ Lakes High School, a community dog park, and convenient access to nearby shopping, dining, and major roadways. This home combines modern construction, functional living space, and meaningful savings in one of Land O’ Lakes’ most desirable neighborhoods.
| Elementary School | Middle School | High School |
|---|---|---|
| Connerton Elem Elementary School | Pine View Middle-PO Middle School | Land O' Lakes High-PO High School |
| Price History | |
|---|---|
| 4/26/2026 | Listed $445,000 |
| 5/11/2026 | 2$435,000 |
| 7/3/2026 | 2$425,000 |
General Features
| Sewer | Public Sewer |
|---|---|
| Heating | Central |
| Cooling | Central Air |
| Utilities | Cable Available,Electricity Connected,Public,Sewer Connected,Underground Utilities,Water Connected |
| Roof | Shingle |
| Appliances | Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer,Water Softener |
| Zoning | MPUD |
| HOA Fee | 90 |
| Garage Spaces | 2 |
| Patio/Porch Features | Front Porch,Patio,Rear Porch |
| Security Features | Security System |
| Construction Materials | Block,Stucco,Wood Frame |
| Pets Allowed | Yes |
| Year Built | 2022 |
| View | Trees/Woods |
| Levels | Two |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Ownership | Fee Simple |
| Waterfront Features | Lake |
| Community Features | Lake,Community Mailbox,Dog Park,Gated Community - No Guard,Sidewalks |
| Assoc Fee Paid Per | Monthly |
| County | Pasco |
| New Construction | false |
| Property Type | Residential |
| Attached Garage | true |
| Subdivision Name | ARDEN PRESERVE |
| Facing Direction | Northeast |
| Garage Y/N | true |
| Total Rooms | 11 |
| Full Baths | 2 |
| Status | Pending |
| Directions | From FL-54 head North on Land O Lakes Blvd, Left on Wisteria Loop, Right on Matero Way, Left on Monza Loop |
| High School | Land O' Lakes High-PO |
| City | LAND O LAKES |
| Association Name | Home River / Arden |
| Senior Community Y/N | false |
| MLS Area | 34638 - Land O Lakes |
| Lot Size Units | Square Feet |
| Lot Size Square Feet | 6906 |
| Carport Y/N | false |
| Listing Terms | Cash,Conventional,FHA,VA Loan |
| Elementary School | Connerton Elem |
| Land Lease Y/N | false |
| Tax Annual Amount | 6271 |
| Middle/Junior High School | Pine View Middle-PO |
| Additional Parcels Y/N | false |
| Lease Considered Y/N | true |
| Virtual Tour | https://www.propertypanorama.com/instaview/stellar/TB8500994 |
| Building Area Units | Square Feet |
| Living Area Units | Square Feet |
| Builder Name | Pulte Homes |
| Standard Status | Active Under Contract |
| Occupancy Type | Owner |
| Tax Lot | 11 |
| Legal Description | ARDEN PRESERVE PB 82 PG 112 BLOCK 4 LOT 11 |
| Minimum Lease | 1-2 Years |
| Water Access Y/N | false |
| Monthly HOA Amount | 90 |
| Additional Rooms | Bonus Room,Den/Library/Office |
| Water View Y/N | false |
| Flood Zone Code | X |
| In Law Suite YN | false |
| Flood Zone Code X | Yes |
Interior Features
| Interior Amenities | Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,PrimaryBedroom Upstairs,Thermostat,Window Treatments |
|---|---|
| Flooring | Carpet,Luxury Vinyl,Tile |
| Furnished Y/N | Unfurnished |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Window Features | Blinds,Drapes,Rods |
| Fireplace Y/N | false |
| Half Baths | 1 |
| Laundry Features | Laundry Room |
| Total Bedrooms | 4 |
| LivingAreaSource | Public Records |
| Total Baths | 3 |
Exterior Features
| Exterior Amenities | Garden,Private Yard,Sidewalk,Sliding Doors |
|---|---|
| Vegetation | Mature Landscaping |
| Fencing | Fenced,Vinyl |
| Lot Features | Conservation Area,Landscaped,Level,Sidewalk |
| Water Source | Public |
| Lot Size Area | 6906 |
| Foundation Details | Slab |
| Building Area Total | 3116 |
| Lot Size Acres | 0.16 |
| Road Surface Type | Paved,Asphalt |
| Private Pool | false |
| Waterfront Y/N | false |
| Covered Spaces | 2 |
| Road Frontage Type | Street Paved,Private Road |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 34638
Price
Taxes
Year Built
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All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Updated on September 13, 2026 11:29 AM UTC
Copyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law.
Data Last Updated: September 13, 2026 11:45 AM UTC
